Upgrade Cards

Cash Rewards

1.5% Cash back

rewards on all purchases

No annual fee
Check for an offer with no credit score impact

See if I’m Pre-Approved

$200 bonus

when you also open a Rewards Checking Preferred account and make 3 debit card transactions

Find the Upgrade Card That's Right for You

Life Rewards

3% CASH BACK ON GAS, GROCERIES & MORE No annual fee

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Cash Rewards

UNLIMITED 1.5% CASH BACK NO ANNUAL FEE

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Upgrade Select

GET THE CREDIT YOU NEED $39 ANNUAL FEE

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You're in control with Upgrade Card

Combine the flexibility of a cash back rewards credit card with the predictability of a personal loan

Convenient

Swipe, tap, insert or purchase online anywhere Visa is accepted to get rewarded

Lower cost

Set payoffs so you can bring your balance down faster so you can pay less interest. And, no annual fee

Predictable

Pay down balances from each month at a fixed rate on each purchase

Save on interest over time with Upgrade Card

Each Upgrade Card balance has a fixed rate and term so you know when you pay off your balance and can save on interest. Traditional credit cards can keep you in debt with minimum payments that pay back little of the principal balance.

Bring your balance down faster to pay less interest

Interest paid on a $5,000 balance with Upgrade Card vs. Traditional Credit Card when making a monthly minimum payment

	Upgrade Card	Traditional Credit Card
Monthly Payment	$196.13ⁱⁱⁱ	$145.83ⁱ
Time to pay off the balance	3 yearsⁱⁱⁱ	23 yearsⁱⁱ
Interest paid over that time	$2,060.20ⁱⁱⁱ	$8,929.28ⁱⁱ

i. The minimum payment on a traditional credit card would begin at $145.83 for the first payment and would vary, and decreases, as it's paid down.

ii. Calculated using a minimum monthly payment calculator, assuming a $5,000 starting balance, “interest + 1%” minimum payment and an interest rate of 23.00%, which is approximately equal to the national average rate for accounts assessed interest, as of November 2024 (Source).

iii. Total interest of $2,060.20 assumes a $5,000 purchase and installment payments of $196.13 for 36 months. Installment payments calculated with 23.00% APR and 36-month term accounting for interest accrued between the charge date and the due date 51 days later.